Route service and pool construction carry different exposure, and the policy should treat them that way.
Route Trucks and Residential Stops
Most route trucks are half-ton or three-quarter-ton pickups carrying racks and chemical tanks along with test equipment, and liability should be set at the limit your commercial and HOA accounts request, typically a $1,000,000 combined single limit in Tampa Bay. Physical damage covers the truck, including any racks, tanks or wrap that have to be declared to be paid, and pickup-specific detail is on our commercial pickup truck insurance page.
Florida's baseline under any registered vehicle, $10,000 in personal injury protection and $10,000 in property damage liability (ss. 627.736, 324.022, Fla. Stat.), sits well under what a route account actually needs. Our commercial auto liability insurance page explains how the layers stack.
Chemicals on the Truck
Chlorine, muriatic acid and other pool chemicals ride along on nearly every route stop, and how they are secured, separated and stored on the truck is part of what an underwriter wants to know before quoting the account. This is a handling and storage conversation more than a coverage checkbox, and it is one we walk through with every pool service submission.
Pool Builders' Equipment Trailers
Excavation equipment, rebar and gunite hoses traveling to a new pool build usually move on a trailer the truck's own physical damage coverage does not extend to. Liability generally follows a trailer in tow; the trailer and what is loaded on it need to be scheduled to be covered for theft and damage, and a loaded combination can pass 10,001 pounds, the federal commercial motor vehicle threshold for interstate use (49 C.F.R. § 390.5T). See trailer and equipment insurance for how that coverage works.
